Smith County property record for 97 Flat Rock Rd, Lebanon, TN 37090
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,012 sqft · built 1940 |
| Lot Size | 5.02 acres (218,671 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jun 2024) |
| Tax Bill | $827 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-036.02 |
| Primary APN | 050-036.02 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Custom Design |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 218,671 sqft (5.02 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 2,880 sqft |
| Parking Spaces | 10 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 980 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 97 FLAT ROCK RD |
|---|---|
| City | LEBANON |
| State | TN |
| Zip | 37090-9216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAB B SLIDE 329 |
| Jurisdiction | SMITH TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 975200 |
97 Flat Rock Rd is owned by two individuals who bought it in June 2024.
Source: Smith County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 EATHERLY LN, LEBANON, TN 37090-9214 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA PCA |
| Aug 11, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA |
| Jun 5, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA |
| Jun 3, 2024 | Warranty Deed, Transfer FARM CREDIT MID AMERICA FLCA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on File |
| Deed Sale | Jun 3, 2024 · Amount on File |
| Prior Sale | Apr 26, 2010 · Amount on File |
| Deed Document Number | 20241573 |
| Deed Book / Page | 468 / 333 |
| Transfer Doc | 0004000325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TN |
| Property Address | 97 FLAT ROCK RD, LEBANON, TN 37090-9216 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 EATHERLY LN, LEBANON, TN 37090-9214 |
| Document Number | 0000501653 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 501/653 |
| Instrument | 25003792 |
| Name | FARM CREDIT MID AMERICA PCA |
|---|---|
| Type | Bank |
| Address | 12501 LAKEFRONT PL, LOUISVILLE, KY 40299 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 83 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TN |
| Property Address | 97 FLAT ROCK RD, LEBANON, TN 37090-9216 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 EATHERLY LN, LEBANON, TN 37090-9214 |
| Document Number | 0000494403 |
|---|---|
| Date | Aug 11, 2025 |
| Book Page | 494/403 |
| Instrument | 25002502 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | 12501 LAKEFRONT PL, LOUISVILLE, KY 40299 |
| Type | Commercial Mortgage |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TN |
| Property Address | 97 FLAT ROCK RD, LEBANON, TN 37090-9216 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 EATHERLY LN, LEBANON, TN 37090-9214 |
| Document Number | 0000490659 |
|---|---|
| Date | Jun 5, 2025 |
| Book Page | 490/659 |
| Instrument | 25001835 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | 12501 LAKEFRONT PL, LOUISVILLE, KY 40299 |
| Type | Commercial Mortgage |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SMITH TN |
| Recording Date | Jun 3, 2024 |
| Property Address | 97 FLAT ROCK RD, LEBANON, TN 37090-9216 |
| Document Number | 0000468333 |
| Book / Page | 468 / 333 |
| Instrument Date | Jun 3, 2024 |
| Instrument | 24001573 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $703.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 EATHERLY LN, LEBANON, TN 37090-9214 |
| Document Number | 0024001574 |
|---|---|
| Date | Jun 3, 2024 |
| Instrument | 24001574 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 316 Months |
| Due | Oct 1, 2050 |
| Document Number | 0000468341 |
|---|---|
| Date | Jun 3, 2024 |
| Book Page | 468/341 |
| Instrument | 24001575 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | 12501 LAKEFRONT PL, LOUISVILLE, KY 40299 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 97 Flat Rock Rd was $827.
Source: Smith County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Smith County |
| Unified School District | Smith County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $827.00 | $47,725 Land $10,000 Building $37,725 | $190,900 Land $40,000 Building $150,900 |
| 2023 | $47,725 (+31.84%) Land $10,000 Building $37,725 | ||
| 2022 | $36,200 Land $10,000 Building $26,200 | $190,900 Land $40,000 Building $150,900 | |
| 2019 | $726.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 97 Flat Rock Rd in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 29 (2010–2021) |
| Claims Outside the SFHA | 20 of 29 |
| Most Recent Claim | Dec 2021 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 97 Flat Rock Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH SIDE U.D. #1 serves 4,431 people · EPA ID TN0000904 |
|---|---|
| Water Source | Purchased surface water from SMITH UTILITY DISTRICT |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DeKalb Telephone Cooperative Fiber | 1,000 / 1,000 |
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